Hugo Insurance Review: Flexible Coverage at Your Fingertips

Hugo offers truly unique (and flexible) auto insurance coverage, but is it right for you? Expert reviewer J.J. Starr covers everything you need to know.

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  • Get coverage for as little as three days
  • Turn coverage on/off as needed
  • Same-day policies with no down payment


  • No SR-22 insurance
  • Higher rates for drivers with spotty records
  • Full-coverage policies available only in IL and CA

Bottom Line

Hugo provides a convenient option for drivers looking for flexible, short-term coverage without long-term commitments. But, because the company is so young, policy offerings and availability are currently quite limited.

Hugo Auto Insurance: At a Glance

Founded 2016
Available in AL, AZ, CA, FL, GA, IL, IN, MS, OH, PA, SC, TN, and TX
Owned by Venture-backed startup founded by David Bergendahl and Joel Solymosi
National average premium $188/month
Mobile app Android, iOS
Customer service [email protected] (preferred), 1 (515) 303-2410
Claims 1 (515) 303-2410, option 1
Primary competitors Hippo, Lemonade, Metromile, Mile Auto

Hugo Insurance is a relative newcomer in the auto insurance industry, introducing its beta platform in 2020 and officially launching in January 2021. The company specializes in flexible, on-demand coverage, allowing drivers to start and stop coverage as needed, and with “micropayments,” drivers can pay for as few as three days at a time. Hugo also doesn’t charge up-front fees or down payments to new customers.

It takes only minutes to get coverage, so long as you live in one of the 13 states where Hugo is available (but the company is quickly expanding — policies are forthcoming in Kentucky and Virginia). And on that note, Hugo’s limitations may not be ideal for drivers seeking detailed coverage (or even standard full-coverage options in certain states).

But how does Hugo Insurance work? How do its rates stack up to competitors? Keep reading to find out everything you need to know about this next-generation insurer.

Get a Quote from Hugo (and Other Top Insurers) in Minutes

Is Hugo a Good Choice for Car Insurance?

Hugo is a great choice for some drivers. The company has a short but strong record of paying claims and has earned thousands of positive reviews from customers. Its small size, sparse coverage options, and limited coverage areas, however, mean many drivers won’t be able to access policies through Hugo — at least not yet.

Where Hugo stands out

Hugo is the only auto insurer that offers true pay-as-you-go auto insurance policies, and its highly flexible payment options are best-in-class. Drivers who need to pay in smaller increments or who only drive a few days a week can find huge benefits with Hugo.

Where Hugo falls short

Currently, Hugo offers a very limited range of coverage options. The company operates in just 13 states (as of this writing) and offers full-coverage options in just two. High-risk drivers or those who need more specialized coverage options may want to look elsewhere.

Short-Term Auto Insurance from Hugo: Is It Legit?

Hugo changed the insurance market when it started offering short-term car insurance policies with its Flex Plan. With this option, you can turn your insurance coverage on and off by sending a text or switching a toggle in Hugo’s mobile app (more on that later).

So, if you’re not driving one day, you can flip your coverage off and roll over that unused day for future use.

But, because your vehicle essentially goes uncovered with this option, Flex Plans are only offered for liability-only policies. Drivers with financed vehicles will need to purchase the Full Plan in order to comply with their lender.

Additionally, the Flex and Full Plans are only available in Illinois and California. In most states, drivers only have access to the Basic Plan. We’ll go over each plan in detail in the coverage section later.

Whatever plan you select, you can also choose how often you pay. You can “reload” your plan in increments of a few days, weeks, or months, depending on what works best for you. So whether you need short-term coverage or continuous protection, you’ll find payment options with Hugo that you can’t get anywhere else.

What Hugo Customers Have to Say

Overall, Hugo has fewer customer reviews than the average insurer. It’s a younger company and writes far fewer policies than big-name insurers like GEICO and Progressive, so it’s no surprise Hugo doesn’t have a Better Business Bureau page or reviews on ConsumerAffairs. But many customers have left reviews on Trustpilot, where the company earns an impressive 4.8 out of 5 stars.

An overwhelming number of customer reviews talk about how easy, fast, and painless it was both to get their car insurance with Hugo and to pay for their policy in flexible, self-designed increments.

5-star customer review of Hugo Insurance

5-star customer review of Hugo Insurance

But, as with any other insurer, there’s some constructive feedback to be found. Hugo’s negative reviews centered around two big themes.

First, the company doesn’t send physical ID cards. Customers are expected to carry a digital version of their card or print their own copy. This has led to a lot of confusion — including several customers who weren’t sure if they even had a policy.

4-star customer review of Hugo Insurance

1-star customer review of Hugo Insurance

I also found several people who misunderstood how Hugo’s policy flexibility works, which led to higher premiums. Take this reviewer, who clearly thought the rules for the Flex Plan also applied to the Basic Plan. Not so, and it unfortunately resulted in coverage lapses that not only led to fees but could also increase their rates.

1-star customer review of Hugo Insurance

2-star customer review of Hugo Insurance

How Much Is Hugo Auto Insurance?

Let’s take a look at the average monthly rates Hugo offers to drivers for liability and full-coverage policies.

Liability Only Full Coverage
$188 $240

Premiums at Hugo are generally higher for liability policies and lower for full coverage than the national averages ($129 per month for liability and $302 for full coverage). Of course, national averages aren’t a great way to understand how Hugo fits into the wider insurance market. After all, it only operates in 13 states (and only offers full coverage in two).

So let’s take a closer look at how Hugo’s costs compare to its closest competitors.

Hugo Insurance Rates Compared to Top Competitors

Hugo’s two closest competitors are Mile Auto and Metromile. However, Hugo truly is a one-of-a-kind company, so there’s no direct comparison. We chose these companies because they both focus on forward-thinking technology and offer creative billing options.

The table below shows how Hugo’s rates stack up to these two pay-per-mile insurers.

Company Liability Only Full Coverage
Hugo $188 $240
Mile Auto $71 $136
Metromile $60 $123

At first glance, Hugo appears to have higher rates for both liability and full-coverage policies — but the rates for Mile Auto and Metromile don’t account for the per-mile fee tacked on to your premium at the end of the billing cycle. For that reason, their rates appear to be lower than Hugo’s.

So Hugo could still be your best bet for affordable coverage, depending on how much you drive.

What Types of Auto Insurance Coverage Does Hugo Offer?

Hugo’s policy options may be a bit more limited than some of the household names in auto insurance, but it still provides many of the most common coverage types. The company currently offers the following coverages:

  • Bodily injury liability: Covers injuries or death to other people in an accident where you’re at fault.
  • Property damage liability: Covers damages to someone else’s property in an accident where you’re at fault.
  • Collision coverage: Covers damages to your vehicle that are caused by a collision with another vehicle or object.
  • Comprehensive: Covers damages to your vehicle caused by events other than collisions, such as theft, vandalism, or natural disasters.
  • Medical payments coverage (MedPay): Covers medical expenses for your and your passenger’s injuries after an accident.
  • Accidental death coverage: Provides a lump sum payment if someone dies from an accident you cause.
  • Rental reimbursement: Covers rental car costs while your own vehicle is being repaired due to a covered claim.

Hugo also plans to offer towing and roadside assistance coverage soon, but only to drivers with the Full Plan.

What are the differences between Hugo’s car insurance plans?

As we touched on earlier, Hugo has three plan options to choose from when you enroll in a policy:

  • Flex Plan: Allows you to turn coverage on and off and pay per day of coverage. But you can only buy liability coverage.
  • Basic Plan: Allows you to pay in small increments but provides continuous coverage. This option only covers liability, medical, and accidental death.
  • Full Plan: Also allows for flexible payments and continuous coverage. This option covers everything in the Basic Plan, plus comprehensive and collision coverage with same-day payouts for car insurance claims.

Every plan will meet state requirements and offer you cash rewards. Just remember that most drivers will only have access to the Basic Plan. Hugo plans to continue rolling out Flex and Full plans to other states soon.

What Discounts Does Hugo Offer?

Hugo doesn’t offer car insurance discounts in the traditional sense. Instead, the company focuses on providing low rates to all drivers alongside its flexible payment options. Plus, drivers who drive infrequently can use the Flex Plan to pay only for the days they use their car. This can add up to huge savings over time.

Hugo Car Insurance Rates by Age Group

Your age has a big impact on your car insurance premiums, so here are average Hugo rates broken out into different age brackets.

Age Liability Only Full Coverage
16–19 $309 $496
20–29 $220 $288
30–39 $181 $228
40–49 $164 $201
50–59 $167 $190
60+ $179 $195

When you’re young and first get your driver’s license, you’re obviously far less experienced on the road. That makes you more likely to cause a car accident. Young drivers pay higher rates than any other age group because of that increased risk.

Luckily, rates steadily decrease as you age (so long as you keep a clean record), leveling off in your 40s and 50s.

Rates sometimes start to go up again once you approach retirement age since older drivers have slower reaction times and become statistically more likely to cause a claim.

Hugo rates for teens and young drivers

Compared to the national average for 18-year-olds — $297 per month for liability and $676 for full coverage — Hugo makes the biggest difference for teen drivers who need full coverage. At $496 per month, full coverage from Hugo is significantly cheaper than average. But liability-only policies at Hugo cost slightly more than the national average rates.

Young drivers may still be able to save on liability coverage if they can sign up for the Flex Plan and drive five days a week or less.

Hugo rates for seniors and retirees

Rates for drivers older than 60 tell a similar story. Hugo’s liability-only rates are higher than average (the national average for 65-year-olds is $97 per month for liability coverage). But, like teens, seniors can save on full-coverage policies with Hugo.

Hugo could provide cheap liability coverage for seniors who don’t drive often — but you’ll have to get a quote and estimate your costs based on your quoted daily rate.

Hugo Car Insurance Rates by Driving Record

Your driving record affects your car insurance rate as much as, if not more than, your age. Here are the average rates from Hugo based on policyholders’ driving histories.

Driving History Liability Only Full Coverage
Clean record $183 $234
One ticket $270 $315
Multiple tickets $344 $411
One at-fault accident $269 $350
Multiple accidents $328 $360

Tickets and car accidents can significantly increase your premiums, especially if you have more than one on your record.

Car insurance companies use a lookback period of three to five years in most states. That means you can see elevated rates for as many as five years after your most recent incident. So, maintaining a clean driving record is important for both your peace of mind and your financial well-being.

Hugo rates for good drivers

At $183 per month for liability and $234 for full coverage, Hugo’s average rates for good drivers (those who have no tickets, DUIs, or at-fault accidents on their records) are quite a bit higher than the national average. While Hugo doesn’t have a good driver discount, the company offers lower rates to drivers with clean records than to those with tickets or accidents.

Hugo rates after an accident

Hugo tends to charge more than the national average for car insurance after a car accident. However, I found several customer reviews talking about finding their best rate here, even with an accident (or combination of incidents) on their driving records. And, with the Flex Plan, you may be able to limit your driving and pay a lot less.

5-star customer review of Hugo Insurance

5-star customer review of Hugo Insurance

5-star customer review of Hugo Insurance

Hugo rates after a speeding ticket

Getting a ticket can cause car insurance rates to increase substantially, and the severity of the offense often influences the extent of the increase. Multiple violations can lead to even higher premiums.

You can raise your deductibles (if you have the Full Plan) if you need to save money after receiving a ticket or other moving violation. You can also drop down to the Flex Plan and arrange to use your car for fewer days each week.

Hugo Car Insurance Rates by State

Want to know how much Hugo charges for auto insurance in your state? The table below shows the company’s average liability rates in the states where it currently operates, according to data.

State Monthly Liability Premium
Alabama $69
Arizona $108
Florida $262
Georgia $317
Illinois $141
Indiana $83
Ohio $86
Pennsylvania $193
South Carolina $244
Tennessee $82
Texas $164

Car insurance rates vary from state to state due to a combination of state regulations, traffic patterns, population densities, accidents rates, crime rates, and living costs. Insurers analyze these factors to determine the risk levels associated with insuring drivers in each state. Areas deemed higher risk will typically see higher average premiums.

As you can see above, Hugo offers its lowest rates to drivers in Alabama, Indiana, Ohio, and Tennessee.

How to Get Car Insurance With Hugo

Getting a car insurance quote from Hugo is quick and easy — so long as you have your driver’s license number and, ideally, your VIN readily available. To start, simply go to Hugo’s website and fill out its quote form. And depending on where you live, you’ll get up to three plans to choose from.

You can choose your plan, adjust your coverage options, and buy your policy, all online. You’ll receive your insurance documents through email (Hugo doesn’t physically mail anything to its customers). Afterward, you can manage your policy through your online account.

Getting an auto insurance quote from Hugo

Let’s walk through each step of Hugo’s quote and purchase process. To begin the process, I went to the home page and clicked “Get started.”

Hugo Insurnace home page

This brought me to an advertising page with a graphic showing the difference between Hugo and other insurers. This was a bit strange because some of the features on this graphic are only available in two states — and since I’ve yet to provide my ZIP code, the company could be advertising something I’m unable to buy.

Hugo Insurance's value proposition

After proceeding, I entered my Illinois ZIP code. But before I clicked “Next,” I noticed a drop-down menu at the bottom of the page (if I had been on a mobile device, I probably would’ve missed this section).

Hugo Insurance quote page for driver ZIP code

When I expanded that section, I found the following message, which let me know that Hugo works with a partner insurance company (a fact that isn’t well advertised) and that my personal information could be gathered through third-party agreements (this is fairly standard).

Hugo Insurance quote page explaining how the company gets the best rates

I continued through the questionnaire, entering my address next.

Hugo Insurance quote page requesting driver address

Then, I entered my full name as it appears on my license.

Hugo Insurance quote page requesting driver's full name

The next several pages asked for my birthday, gender, marital status, driver’s license number, and information about my driving record. While each screen took only a few seconds to complete, I personally would have rather seen more of the form at once rather than one question at a time.

Hugo Insurance quote page requesting driver's birthday

Hugo Insurance quote page requesting driver's marital status

Hugo Insurance quote page requesting driver's license information

Hugo Insurance quote page requesting driver's claims history

I was also asked for my Social Security number, but I didn’t feel comfortable providing it at this stage, so I clicked “I’d rather not share” and moved on.

Hugo Insurance quote page requesting driver's Social Security number

A pop-up appeared to let me know that my quote might not be perfectly accurate without my SSN (since my credit score can affect my final rate). That’s okay with me, so I continued.

Hugo Insurance quote page explaining why rates might be higher without driver's SSN

The next section covered information about my vehicle. Hugo pulled up my old car, but not my new one. So I entered that information manually by clicking “New Vehicle.”

Hugo Insurance quote page requesting driver's vehicle information

It was extremely easy to enter my vehicle information here compared to some other sites I’ve used in the past.

Hugo Insurance quote page requesting driver's vehicle information

When I hit “Next,” I was asked to review my information before continuing. The next page asked about my driving habits and the payment plan I preferred.

Hugo Insurance quote page requesting driver's vehicle usage

I drive four days a week on average and prefer paying monthly, so I entered that into the quote form and clicked “Next.” This brought me to another graphic, which, once again, showed me how Hugo compares to its competitors.

Hugo Insurance value proposition

I was able to expand a few of these options to learn more about each of them. I appreciated this level of detail and transparency.

Hugo Insurance's value proposition expanded

I hit “Continue” and was brought to my quote, which automatically defaulted to the Flex Plan (probably because I don’t drive often). I like that it showed me the daily insurance cost — just $1.97 per day for liability coverage.

Hugo Insurance quote result for liability-only coverage

When I scrolled through the quote, I found it easy to see what was covered and the limits for each coverage type (which were also adjustable).

Hugo Insurance quote policy customization

It also had a section showing me what wasn’t covered — my old car (I traded it in to get my new one), plus all the full-coverage options that aren’t included. However, I need full coverage because I’m still paying my car loan and my lender requires it.

Hugo Insurance quote page explaining what's covered and what isn't

So I toggled over to the Full Plan. Here, I noticed that the price switched from monthly to weekly.

Hugo Insurance quote result for weekly coverage

I could see a design choice like this causing confusion, but I was able to catch it and change it to the monthly cost for a better comparison.

Hugo Insurance quote result for monthly full coverage

When I scrolled through the coverage details, I saw more options for full coverage. Here, I could customize my collision and comprehensive coverage deductibles (it defaults to $1,000). I could also opt in to rental coverage, accidental death benefits, and medical payments coverage.

Hugo Insurance policy customization options for full coverage plan

Each section also had an information button that gave detailed information about each of my coverage options.

Hugo Insurance coverage explanations page shown during quote process

I wanted both additional coverages and higher liability limits, so I adjusted my policy to reflect that. I was pleasantly surprised to find that my costs only went up slightly, to $114 per month. All in all, I thought it was a great deal, and customizing my quote was very easy.

Hugo Insurance quote result for higher coverage levels

Before checking out, I was asked to verify my information and the drivers on my policy. This is also where I was asked to provide my VIN (you can’t purchase your policy without providing this) and payment information if I decided to buy my policy.

Managing Your Hugo Auto Insurance Policy

You can manage your Hugo policy through your online account on your computer or phone. Your home page will show you how much you have available in your account, and you’ll find a toggle to turn auto reload on and off.

If you scroll down, you’ll find an option to “Manage my Policy.” This will take you to a page where you can manage vehicles, drivers, coverage levels, and more.

You can also email customer support for additional assistance through Hugo’s online portal.

Using Hugo’s mobile app

Hugo doesn’t currently offer a mobile app. Instead, the company designed its website to be mobile-friendly. Most reviewers had no problem with this, but some pointed out that if you have spotty cell service, be sure to print your cards and keep physical copies in your car.

Pausing and resuming your Hugo policy

If you sign up for Hugo’s Flex Plan, you have the option to turn off your car insurance on the days you don’t need your car. To do so, log into your account and go to your home screen. There, you’ll see a toggle at the top of the screen letting you know whether your insurance is on or off. You can pause your policy by flipping the toggle to “OFF” — a pop-up will appear and ask you to confirm your decision.

With the Flex Plan, you always buy coverage in 24-hour increments. So when you toggle off, your insurance will stay in effect until it reaches the end of the 24-hour period. So if you turn insurance on at 6 a.m. and then turn it off at 7 p.m. that day, your coverage will remain in effect until 6 a.m. the following day (don’t worry; the pop-up asking you to confirm will also tell you the exact time and day your current coverage period ends).

Before turning your coverage back on, ensure you have enough money in your account for at least one day of coverage. You won’t be able to turn your insurance on until you have enough money in your account.

Next, just switch the toggle to “ON.” Again, a pop-up will appear to confirm your decision and let you know when your coverage starts.

Hugo Customer Service

Hugo is so young that it’s relatively unrated by the traditional watchdogs of the insurance market, such as Better Business Bureau and J.D. Power. However, Hugo has a large number of customer reviews online, and many of them are positive. This is especially true when it comes to purchasing and self-managing policies.

Customers also clearly enjoy the flexible payment terms.

Several reviews talk about how easy it is to buy a policy without having to talk to anyone, as the review below expresses. They also talk about the lack of physical proof of insurance. (It’s worth noting that you can download and print your insurance cards, but that assumes you have easy access to a printer.)

5-star customer review of Hugo Insurance

However, there are several issues with customer service availability. The company buries the customer service phone number deep in its website, instead pushing the customer support email as the first means of contact.

I had to go to the legal terms and conditions page to find the phone number — and when I called, I was unable to speak with an agent. The company is inexplicably “agent-free,” or so it says in its phone tree.

I’m certainly not the only one who dealt with this issue. I found several reviews from customers frustrated with their inability to contact a live person. And many of those reviews also talk about finding incorrect contact information for the company, as this review covers below.

Hugo Insurance customer testimonial

The bottom line is that Hugo is a small insurer with a fairly revolutionary business model. On LinkedIn, the company self-identifies as having 2–10 employees. For comparison, Mile Auto claims 11–50, Metromile claims 201–500, and Lemonade claims 1,001–5,000 employees. There’s an obvious trade-off here.

Filing a Claim with Hugo

You can file a claim with Hugo by logging into your account on your phone or computer. There isn’t a separate claims phone number, but you can reach the claims department through the primary customer service number during normal business hours.

Hugo says it offers same-day claims for policyholders, but I couldn’t find any reviews talking about receiving an immediate payout.

However, I found that policy claims are handled by a separate company, as contracted by Hugo (the information will be in your policy documents). Third parties aren’t always easy to deal with, so be sure you understand if there are any secondary underwriters on your policy — and be sure to read customer reviews on them if there are.

Does Hugo Offer Any Other Types of Insurance?

No, Hugo currently only offers auto insurance and only in select states. The company has been steadily expanding since its official launch in 2020, but it’s still quite a bit younger than other insurers.

The company doesn’t have any official plans to expand into other insurance products as of this writing.

Bottom Line: Is Hugo Car Insurance Right for You?

Hugo is a great option for policyholders who need liability-only policies and don’t drive often. If you live in an area with public transit or simply don’t use your car often, you can potentially save a lot of money with Hugo. And as a tech-centered insurer, it makes it easy for you to self-manage your policy.

But Hugo isn’t right for everyone. As Rikin Shah, a licensed auto insurance agent in all 50 states, says, “Hugo Car insurance is the best fit for budget-conscious individuals seeking affordable coverage with basic protection.”

Hugo Auto Insurance FAQs

Hugo is both a new and revolutionary insurer, so people have been asking lots of questions. For quick reference, we’ve included answers to the most commonly asked questions about Hugo car insurance below.

Is Hugo a real insurance company?

Yes, Hugo is a real (and legitimate) insurance company. Founded in 2016, Hugo provides pay-as-you-drive insurance and other unique policy perks. It’s received thousands of positive reviews from its customers.

Who owns Hugo Insurance?

Hugo is a venture-backed startup that was founded by David Bergendahl and Joel Solymosi in 2016. That means the company is privately owned between individuals and entities — mainly the VC firms backing the company, the founding members of the company, and (potentially) current employees.

How much is Hugo car insurance?

Hugo costs $188 per month on average, according to data. That makes the company somewhat cheaper than average.

Does Hugo offer auto and home insurance bundling?

No, Hugo doesn’t offer homeowners and auto bundling because the insurer doesn’t currently offer home insurance.

Can you purchase a policy from Hugo 100% online?

Yes. Hugo makes it easy to get a policy entirely online, so long as you have your license number and VIN handy.


Data scientists at analyzed more than 50 million real-time auto insurance rates from more than 75 partner insurance providers in order to compile the quotes and statistics seen in this article.’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.

All the quotes listed in this article have been gathered from a combination of real quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. uses these observations to provide drivers with insight into how auto insurance companies determine their premiums.


  1. AAA Foundation, “Rates of Motor Vehicle Crashes, Injuries and Deaths in Relation to Driver Age, United States, 2014-2015,” Accessed July 8, 2023.
  2. Centers for Disease Control and Prevention, “Teen Driver and Passenger Safety,” Accessed July 8, 2023.
  3. NHTSA’s National Center for Statistics and Analysis, “Traffic Safety Facts,” Accessed July 8, 2023.
  4. Trustpilot, “Hugo Insurance,” Accessed July 8, 2023.

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